Here's a copy of the email I sent to every single employee at Nelnet.....don't laugh I got results...it explains the situation
I am writing this letter in order to request your help and understanding. I recently obtained a copy of my credit report and I have some issues with how my loans are being reported. (See attached pdf file) I originally had three loans with Nelnet dating back to 1993 and it appears somewhere along the way they were consolidated into one. Hence four accounts being reported on my credit file. However, I am confused with the manner in which they are being reported. In September 2005 I filed Chapter 7 bankruptcy and this consolidated account was included and subsequently discharged in the proceeding. Case in point account ********** was properly updated on 2/13/06 as discharged via Experian. The date 2/13/06 is relevant because it was the date my Bankruptcy proceeding was discharged. (See attached pdf file) According to one of your customer service representatives (Cindy last name omitted), my loans were “sold” to another firm College Assist for collection. When I mentioned to her that I had filed a Chapter 7 bankruptcy and that this loan was discharged she said that it “could not have been”. I’m certain that she wasn’t certain of the bankruptcy law in 2005 that allowed the discharge of a student loan if it could be proved that repaying it would cause undue hardship. She directed me to contact College Assist and when I did I was told that Nelnet “recalled” my loans. So now it appears they are in a state of limbo meanwhile I getting no direct and concise answers to rectify this situation.
